摘要
本文以2004—2010年深交所中小企业板上市公司的数据作为研究样本,采用非平衡面板数据分析方法建立计量经济模型,考察我国银行业市场结构对银企关系的影响。实证结果显示:(1)我国银行业市场结构与银企关系度之间呈现"倒U型效应";(2)运行状况良好,但缺乏国有背景的企业更愿意与银行保持良好关系;(3)在经济发展不活跃的地区,银行与企业都更注重银企关系的培养;(4)但不同规模的银行对银企关系并无显著影响。本文研究结果表明,在我国二元金融结构下,关系型贷款是银行业集中程度较高地区的银行向中小企业发放贷款的重要技术。
This paper uses the data from Shenzhen SME board listing Corporation during 2004 and 2010 to investigate the impact of China＇s banking market structure to the relationship of bank and small and medium - sized enterprises, with an unbalanced panel data model. The empirical results show that ： （ 1 ） the relationship between market structure of China＇s banking industry and small and medium - sized enterprises is ＂ reverse U effect＂ ; （2）the enterprises which operate in good condition, but lack of state -owned background tend to keep good relationship with Banks ; （ 3 ） in the regions where economic develop less active, banks and enterprises pay more attention to bank - enterprise relationship ; but the different scale banks had no significant effect on the relationship between banks and enterprises. The results show that, in our country with dual financial structure, relationship lending is an important technology for the bank lending to small and medium - sized enterprises in the regions with high concentration degree.
出处
《金融研究》
CSSCI
北大核心
2013年第6期133-145,共13页
Journal of Financial Research
